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Top 10 Best Buy to Let Remortgage Rates

Jeni Browne, Head of Regulated and Buy to Let Lending hand-picks her top 10 buy to let remortgage rates for individual applicants.

1

 2.89% (4.6% APR) 3 year fixed 

Key features

  • Free legals and valuation
  • No arrangement fee
  • 60% LTV to £500k
  • ERCs apply 
  • RTI 145% @ 5%

Borrower types accepted

  • "Accidental landlords" 
  • Foreign nationals 
  • Individual applicants 

Tenants accepted

  • Standard ASTs

Property types accepted

  • Ex LA houses and flats
  • Flats over commercial 
  • Vanilla buy to let property
  • New builds

 

2

2.29% (4.7% APR) 2 year fixed

Key features

  • Free legals and valuation
  • £1,999 arrangement fee added to the loan
  • 65% LTV to £500k
  • 50% LTV to £1m
  • ERCs apply 
  • RTI 140% @ 5%

Borrower types accepted

  • "Accidental landlords" 
  • Individual applicants 

Tenants accepted

  • Standard ASTs
  • Students

Property types accepted

  • Ex LA houses 
  • Flying freehold
  • Freehold conversion
  • Vanilla buy to let property



3

2.36% (5.1% APR) 2 year fixed

Key features

  • Free legals and valuation
  • £1,995 arrangement fee added to the loan
  • 70% LTV to £500k
  • ERCs apply 
  • RTI 125% @ 6%

Borrower types accepted

  • "Accidental landlords" 
  • Individual applicants 
  • Let to buy

Tenants accepted

  • Standard ASTs
  • Students
  • Company lets

Property types accepted

  • Ex LA houses and flats
  • Flats over commercial
  • Vanilla buy to let property



4

3.04% (4.4%) 3 year fixed

Key features

  • Free legals and valuation
  • £999 arrangement fee added to the loan
  • 65% LTV to £975k
  • ERCs apply 
  • RTI 125% @ 5.5%
  • No minimum income requirement

Borrower types accepted

  • Foreign nationals
  • Individual applicants 

Tenants accepted

  • Standard ASTs

Property types accepted

  • Ex LA houses 
  • New builds
  • Vanilla buy to let property



5

3.44% (5.2% APR) 5 year fixed

Key features

  • Free legals and valuation
  • £999 arrangement fee added to the loan
  • 65% LTV to £975k
  • ERCs apply 
  • RTI 125% @ 5.5%
  • No minimum income requirement

Borrower types accepted

  • Individual applicants 

Tenants accepted

  • Standard ASTs
  • Students

Property types accepted

  • Ex LA houses and flats
  • Vanilla buy to let property



6

3.64% (4.6% APR) 5 year fixed

Key features

  • Free legals and valuation
  • No arrangement fee
  • 75% LTV to £500k
  • ERCs apply 
  • RTI 145% @ 5.5%

Borrower types accepted

  • Individual applicants 
  • Foreign nationals
  • "Accidental landlords"

Tenants accepted

  • Standard ASTs

Property types accepted

  • Ex LA houses and flats
  • Flats over commercial
  • New builds
  • Vanilla buy to let property



7

3.45% (4.5% APR) 5 year fixed

Key features

  • Free legals and valuation
  • £999 arrangement fee
  • 70% LTV to £500k
  • ERCs apply 
  • RTI 140% @ 5%

Borrower types accepted

  • Individual applicants 
  • "Accidental landlords"

Tenants accepted

  • Standard ASTs
  • Students

Property types accepted

  • Ex LA houses and flats
  • Flying freehold
  • Freehold conversions
  • Vanilla buy to let property



8

2.79% (4.9% APR) discounted

Key features

  • Free legals and valuation
  • £995 arrangement fee
  • 75% LTV to £500k
  • 70% LTV to £750k
  • 65% LTV to £1m
  • ERCs apply 
  • RTI 145% @ 5.49%
  • No minimum income requirement

Borrower types accepted

  • Individual applicants 
  • "Accidental landlords"

Tenants accepted

  • Standard ASTs
  • Students
  • Company lets
  • Housing association tenants
  • DSS tenants

Property types accepted

  • Ex LA houses 
  • Flats over commercial
  • Flying freehold
  • Studio flats
  • Vanilla buy to let property

 

 

9

2.74% (5.7% APR) discounted

Key features

  • Free legals and valuation
  • £199 arrangement fee
  • 70% LTV to £500k
  • ERCs apply 
  • RTI 125% @ 5.99%

Borrower types accepted

  • Individual applicants 
  • "Accidental landlords"
  • Let to buy
  • First-time landlords

Tenants accepted

  • Standard ASTs
  • Students
  • Holiday lets

Property types accepted

  • Ex LA flats
  • HMOs
  • Vanilla buy to let property

 

10

3.99% (5.3% APR) 2 year fixed

Key features

  • Free legals and valuation
  • No arrangement fee
  • 80% LTV to £500k
  • 70% LTV to £1m
  • ERCs apply 
  • RTI 125% @ 5.35%
  • Remortgage at value day one

Borrower types accepted

  • Individual applicants 
  • "Accidental landlords"
  • First-time landlords

Tenants accepted

  • Standard ASTs
  • Company lets
  • DSS tenants
  • Housing association tenants

Property types accepted

  • Vanilla buy to let property

 
If these rates don't suit, why not try our buy to let mortgage calculator.

 
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NB: ANY PROPERTY USED AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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